Credit card debt can weigh heavily in retirement, but there are ways to tackle the issue once you understand the nuances. Westend61/Getty Images

Retirement is supposed to come with at least some financial stability for retirees, but for millions of Americans over 65, credit card debt has become an unexpected companion in their golden years. Recent data shows that older Americans are carrying more credit card debt , with the average balance reaching alarming levels. What makes this trend particularly concerning is that retirees face unique challenges when it comes to managing this debt — challenges that working-age Americans simply don't encounter.

While younger borrowers might rely on salary increases or career changes to improve their financial situation, retirees typically depend

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